實支雜費上限總額... - 保險
![Jack avatar](/img/cat2.jpg)
By Jack
at 2012-04-24T17:15
at 2012-04-24T17:15
Table of Contents
小弟到現在都還不知道實支醫療要如何買= =
青菜聽聽就好
=
風險應該有四種象限
1.損失幅度大 發生機會高
2. 大 低
3. 小 高
4. 小 低
哪一種情況 適合用商業保險來補償? 對消費者較好?
大家都在討論xx個案 住幾天就花多少多少?
不否認這些是真實案例 但 只是說明"損失幅度大"的情況
卻甚少看到人討論"發生機率"的高低
當 發生機率低的時候 才有機會透過"大數法則"加以商品化
當 發生機率高的時候 "大數法則"會崩潰 此時會直接反應在保費上
保費過高 又不符合購買保險的槓桿原理(真矛盾)
如果風險管理只是把單純保額提高
感覺上 把風險管理看的太簡單了
用個案只是來了解 損失的幅度
但未必只有提高保額才能夠解決
=風險管理= 要依照每一個人(家庭)的狀態及收支管理 再決定解決方法
不是 每一個人都把保額提高 就是最佳的解決模式
※ 引述《cbaisman (歐小)》之銘言:
: 想詢問一下,保2家實支實付醫療險
: 雜費到底該怎麼去抉擇....
: 雜費越高 相對保費越高....
: 然後詢問業務,又幾乎都是說越高越好 Orz.....
: 然後就丟一個心臟支架的收據出來...>"<
: 想請問一下...有政府機關或保險公司有統計資料嗎...
: 平均實支實付賠償價位大概落在哪...
: 我知道 經濟許可當然買高比較好,但是都已經因為種種因素挑選了定期醫療..
: 是不是應該就只要買到適合的額度就好,而不是負擔得起就買更高的...
--
http://udn.com/NEWS/SOCIETY/SOC6/6988335.shtml
依照這個新聞 我可以罵某業務無良嗎?
--
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